车企“低息”大促：5年0息、7年利率最低不到1%

Group 1 - Multiple automakers are launching low-interest loan promotions in early 2026, with annual interest rates as low as 1% for 6-7 year loans, and some offering "0" interest loan options [1][2] - Tesla is offering specific low-interest loans for certain models, with rates below 1% depending on the down payment amount, such as a 0.98% annualized rate for a down payment starting at 79,900 yuan [3][4] - Other companies like Xiaomi and XPeng are also providing low-interest financing options, with Xiaomi offering a 1% annualized rate and XPeng offering a 0% down payment option for a 2-year term [5][8] Group 2 - The popularity of long-term loans (6-7 years) is limited, with many customers preferring "0" interest loan options, which typically have shorter terms of 2-5 years [6] - The 7-year loan options have stricter risk control measures and higher personal qualification requirements, as indicated by a banking representative [7]